I hired Mr Lopez to remove negative items from my credit report and he assured me he could. He required money upfront which I found out later is against the FTC regulations he failed to perform any service for me. When I asked for a refund he told me I was under a contract with him. He then sends you fake emails from lawfirms saying they will sue you. When I contacted these lawfirms they had no idea who I was or who he is. One was a divorce attorney. He also threatens to call your creditors and give them your address and phone number. I contacted the city of Covina and found out he does not have a valid buisness liscense to operate. BEWARE OF THIS COMPANY. I am still fighting to get my money back